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Side-by-side financial comparison of Expensify, Inc. (EXFY) and UNITY BANCORP INC (UNTY). Click either name above to swap in a different company.
UNITY BANCORP INC is the larger business by last-quarter revenue ($35.3M vs $35.2M, roughly 1.0× Expensify, Inc.). On growth, UNITY BANCORP INC posted the faster year-over-year revenue change (24.2% vs -4.9%). Over the past eight quarters, UNITY BANCORP INC's revenue compounded faster (17.5% CAGR vs 2.4%).
Expensify, Inc. is a software company that develops an expense management system for personal and business use. Expensify also offers a business credit card called the Expensify Card.
Unity Bancorp Inc is a New Jersey-headquartered financial holding company operating Unity Bank. It offers a full range of commercial and retail banking services including business loans, deposit products, mortgage services, and personal banking solutions, primarily serving small and medium-sized enterprises and individual consumers across local communities in New Jersey and eastern Pennsylvania.
EXFY vs UNTY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.2M | $35.3M |
| Net Profit | — | $15.5M |
| Gross Margin | 49.2% | — |
| Operating Margin | -11.2% | 55.8% |
| Net Margin | — | 43.9% |
| Revenue YoY | -4.9% | 24.2% |
| Net Profit YoY | — | 34.5% |
| EPS (diluted) | $-0.07 | $1.52 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $35.2M | $35.3M | ||
| Q3 25 | $35.1M | $32.8M | ||
| Q2 25 | $35.8M | $34.4M | ||
| Q1 25 | $36.1M | $29.4M | ||
| Q4 24 | $37.0M | $28.4M | ||
| Q3 24 | $35.4M | $27.7M | ||
| Q2 24 | $33.3M | $25.5M | ||
| Q1 24 | $33.5M | $25.6M |
| Q4 25 | — | $15.5M | ||
| Q3 25 | $-2.3M | $14.4M | ||
| Q2 25 | $-8.8M | $16.5M | ||
| Q1 25 | $-3.2M | $11.6M | ||
| Q4 24 | — | $11.5M | ||
| Q3 24 | $-2.2M | $10.9M | ||
| Q2 24 | $-2.8M | $9.5M | ||
| Q1 24 | $-3.8M | $9.6M |
| Q4 25 | 49.2% | — | ||
| Q3 25 | 49.6% | — | ||
| Q2 25 | 51.9% | — | ||
| Q1 25 | 50.6% | — | ||
| Q4 24 | 51.0% | — | ||
| Q3 24 | 51.6% | — | ||
| Q2 24 | 56.9% | — | ||
| Q1 24 | 56.5% | — |
| Q4 25 | -11.2% | 55.8% | ||
| Q3 25 | -6.4% | 57.5% | ||
| Q2 25 | -28.9% | 62.6% | ||
| Q1 25 | -4.1% | 52.6% | ||
| Q4 24 | 1.3% | 51.0% | ||
| Q3 24 | 0.8% | 52.7% | ||
| Q2 24 | 0.7% | 49.3% | ||
| Q1 24 | -5.3% | 50.0% |
| Q4 25 | — | 43.9% | ||
| Q3 25 | -6.6% | 43.8% | ||
| Q2 25 | -24.6% | 48.0% | ||
| Q1 25 | -8.8% | 39.5% | ||
| Q4 24 | — | 40.5% | ||
| Q3 24 | -6.2% | 39.4% | ||
| Q2 24 | -8.3% | 37.1% | ||
| Q1 24 | -11.3% | 37.5% |
| Q4 25 | $-0.07 | $1.52 | ||
| Q3 25 | $-0.03 | $1.41 | ||
| Q2 25 | $-0.10 | $1.61 | ||
| Q1 25 | $-0.03 | $1.13 | ||
| Q4 24 | $-0.03 | $1.13 | ||
| Q3 24 | $-0.02 | $1.07 | ||
| Q2 24 | $-0.03 | $0.92 | ||
| Q1 24 | $-0.04 | $0.94 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $63.1M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $132.7M | $345.6M |
| Total Assets | $186.0M | $3.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $63.1M | — | ||
| Q3 25 | $61.5M | — | ||
| Q2 25 | $60.5M | — | ||
| Q1 25 | $59.6M | — | ||
| Q4 24 | $48.8M | — | ||
| Q3 24 | $39.2M | — | ||
| Q2 24 | $53.2M | — | ||
| Q1 24 | $49.3M | — |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $230.8M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $132.7M | $345.6M | ||
| Q3 25 | $135.7M | $334.0M | ||
| Q2 25 | $131.8M | $319.8M | ||
| Q1 25 | $134.7M | $306.1M | ||
| Q4 24 | $128.2M | $295.6M | ||
| Q3 24 | $119.9M | $284.3M | ||
| Q2 24 | $114.0M | $273.4M | ||
| Q1 24 | $106.5M | $266.8M |
| Q4 25 | $186.0M | $3.0B | ||
| Q3 25 | $186.8M | $2.9B | ||
| Q2 25 | $187.1M | $2.9B | ||
| Q1 25 | $189.2M | $2.8B | ||
| Q4 24 | $173.7M | $2.7B | ||
| Q3 24 | $176.2M | $2.6B | ||
| Q2 24 | $192.9M | $2.6B | ||
| Q1 24 | $184.8M | $2.6B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.78× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $2.2M | $44.9M |
| Free Cash FlowOCF − Capex | — | $44.3M |
| FCF MarginFCF / Revenue | — | 125.7% |
| Capex IntensityCapex / Revenue | — | 1.6% |
| Cash ConversionOCF / Net Profit | — | 2.90× |
| TTM Free Cash FlowTrailing 4 quarters | — | $81.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.2M | $44.9M | ||
| Q3 25 | $4.2M | $45.5M | ||
| Q2 25 | $8.9M | $-25.3M | ||
| Q1 25 | $4.8M | $17.9M | ||
| Q4 24 | $7.4M | $48.0M | ||
| Q3 24 | $3.7M | $17.7M | ||
| Q2 24 | $9.3M | $-8.4M | ||
| Q1 24 | $3.5M | $15.8M |
| Q4 25 | — | $44.3M | ||
| Q3 25 | — | $45.3M | ||
| Q2 25 | — | $-25.5M | ||
| Q1 25 | — | $17.6M | ||
| Q4 24 | — | $47.3M | ||
| Q3 24 | — | $17.5M | ||
| Q2 24 | — | $-8.6M | ||
| Q1 24 | — | $15.7M |
| Q4 25 | — | 125.7% | ||
| Q3 25 | — | 138.1% | ||
| Q2 25 | — | -74.2% | ||
| Q1 25 | — | 59.9% | ||
| Q4 24 | — | 166.5% | ||
| Q3 24 | — | 63.3% | ||
| Q2 24 | — | -33.7% | ||
| Q1 24 | — | 61.4% |
| Q4 25 | — | 1.6% | ||
| Q3 25 | 0.0% | 0.7% | ||
| Q2 25 | — | 0.5% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | 0.0% | 2.4% | ||
| Q3 24 | 0.0% | 0.5% | ||
| Q2 24 | 0.0% | 0.5% | ||
| Q1 24 | 0.0% | 0.3% |
| Q4 25 | — | 2.90× | ||
| Q3 25 | — | 3.16× | ||
| Q2 25 | — | -1.54× | ||
| Q1 25 | — | 1.54× | ||
| Q4 24 | — | 4.17× | ||
| Q3 24 | — | 1.62× | ||
| Q2 24 | — | -0.89× | ||
| Q1 24 | — | 1.64× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
